Trade finance for local and international suppliers. Keep inventory moving — without tying up your cash flow
Use trade finance to pay domestic or overseas suppliers upfront, while holding onto your working capital until stock is sold or delivered.
Pay suppliers directly
Up to 120-day repayment terms
No property security required
Compare Key Features of Trade Finance
Learn how trade finance works—how it’s used to pay suppliers, what the terms look like, and whether it suits your supply chain needs.
| Feature | Trade Finance |
|---|---|
| Facility Limit | $25,000 to $2,000,000 |
| Repayment Terms | Up to 120 days per transaction |
| Payments | Funds are paid directly to your supplier (domestic or international) |
| Security |
Director guarantee required. No property security required. |
| Use of Funds | Supplier invoices, bulk inventory, purchase orders (local or overseas) |
| Best for | Importers and wholesalers needing upfront supplier payments without tying up working capital |
Facility Limit
Repayment Terms
Payments
Security
Use of Funds
Best for
Our Trusted Providers
Go Beyond the Basics with Trade Finance
Fuel your supply chain with flexible funding to pay suppliers upfront—so you can grow without waiting on customer payments.
Pay suppliers upfront
Pay local and international suppliers upfront—without straining cash flow
Trade finance gives you fast access to working capital so you can pay suppliers before goods arrive. Secure bulk deals, negotiate better terms, and never miss a delivery deadline again—even if you haven’t been paid by your customers yet.
We import stock every quarter and used to stretch ourselves thin with upfront payments. Funding Loop gave us the capital to pay suppliers early without touching our reserves. It helped us negotiate better pricing and scale more confidently.
Sarah Tan
Founder, Specialty Food Distributor
Scales with your business
Your funding limit grows with your supply chain
Unlike fixed-term loans, trade finance scales with your business. As your order volume increases or supplier needs change, you can access more capital—on demand. No need to reapply or renegotiate each time.
We doubled our order volume in under 6 months. Thanks to Funding Loop’s flexible trade finance facility, we didn’t have to worry about reapplying or being capped. It grew with us.
Tom Delaney
Operations Director, Boutique Furniture Brand
No property security required
Get funded without putting your house or business assets on the line
Trade finance is secured against your transactions not your personal or commercial property. That means faster approvals and peace of mind knowing your funding doesn’t risk your most important assets.
Our bank wanted property as collateral, which just wasn’t an option. Funding Loop offered us a trade finance facility based on our orders alone. It’s exactly what we needed to move forward safely.
Jason Reeve
Owner, Barber Supplies Wholesaler
Eligibility Requirements
To access asset finance through Funding Loop, your business must meet these basic criteria.
Monthly revenue over A$50K
Trade Finance typically supports larger transactions. You’ll need to demonstrate at least $50,000 in consistent monthly turnover — usually via recent bank statements or accounting software.
Trading for 12+ months
Your business must be legally registered and actively operating for at least 1 year. Some lenders may accept 6 months of trading if you have strong receivables or supplier relationships.
Supplier documentation ready
You must be able to provide a valid supplier invoice, quote, or purchase order. Suppliers can be domestic or international, but must be verified and legitimate.
Ready to Apply?
Get matched with the right Trade Finance solution in minutes.
Our process is simple, fast, and designed for busy business owners.
Share your trade details
Tell us what you’re purchasing, who the supplier is (domestic or overseas), and how much funding you need. We’ll collect your recent bank statements, purchase orders or supplier invoices, and basic financials if required.
Quick assessment & lender match
We’ll assess your documentation and confirm eligibility with relevant lenders. If the lender needs more info, we may request ID, financials, or supplier verification. You’ll receive offers with repayment terms (up to 120 days).
Approval & supplier payment
Once approved, funds are paid directly to your supplier in AUD or foreign currency. You repay the facility in line with the agreed terms. No funds are released to you—trade finance is strictly for supplier payment.
Frequently asked questions
What is Trade Finance and how does it work?
Trade Finance is a short-term funding solution that helps businesses pay suppliers upfront—either locally or overseas—while giving them extended terms (up to 120 days) to repay. The lender pays the supplier directly, and you repay the lender after goods are received or sold.
Can I use Trade Finance for international suppliers?
Yes. Trade Finance works for both domestic and international transactions. It’s especially useful for importing goods from overseas suppliers who require upfront payment.
How long do I have to repay each transaction?
Repayment terms are typically up to 120 days from the invoice or shipment date. This gives you time to sell the goods and generate revenue before repaying the lender.
Do I need to provide property as security?
Most Trade Finance facilities available through Funding Loop do not require property security. A director guarantee is usually sufficient, making it a lower-risk option for business owners. However, in some cases, property security may be required depending on the lender and deal size.
